Tap to Pay

Tap to Pay is a secure contactless payment method. Tap to Pay payments are taken when your customer taps their card or digital wallet on your phone’s NFC (Near field communication) reader, when prompted by an application to process a payment. During this process, a unique, single-use-use code, known as a token, is created for each transaction, so that your customer’s card information is not stored or copied locally. 

With Zeller Tap to Pay, every payment adheres to the strictest industry standards of security, including Level 1 PCI DSS compliance.

Zeller Tap to Pay is compatible with any NFC-enabled Android smartphone, or iPhone model XS or later operating with iOS 16.4. To accept payments using Tap to Pay, your phone will also require the Zeller App, and an approved Zeller Account.

To set up Tap to Pay on your phone, download the free Zeller App and log in to your Zeller Account. Then, select Tap to Pay from the navigation menu on the Zeller App.

1. Tap Set Up Now

2. Assign a unique name for your device and tap Next

3. Choose a site for your device and tap Next. Or, you can create a new site if required. 

4. Confirm if GST should be applied to transactions, and then tap Next

5. Confirm if you want to enable surcharges to apply to your Tap to Pay transactions, then tap Next 

6. You can choose to enable tipping, then tap Next 

7. Review and configure your digital receipts, then tap Finish Setup

For iPhone specific instructions see here, or for Android specific instructions, see here.

You can accept a wide range of contactless payments with Tap to Pay. This includes taking payments from physical contactless credit and debit cards issued by Visa, Mastercard, American Express, JCB, and UnionPay. You can also accept contactless payments from digital wallets such as Apple Pay and Google Pay using your smartphone or NFC-enabled device (such as an Apple Watch).

If your Tap to Pay payment fails, ensure your customer is placing their contactless card directly near your phone’s NFC reader. Try both physical and digital wallet payments. If you need further assistance, please, contact Zeller Support.

The transaction limit for card-present payments made using Tap to Pay on the Zeller App is $25,000. Whether a PIN is required to complete a transaction depends on the cardholder's card settings.

Tap to Pay: The Future of Contactless Payments

Taking contactless card payments with your phone is now possible thanks to Tap to Pay. Enabled by Zeller App, this cutting-edge technology allows you to use your smartphone – iPhone or Android – like an EFTPOS machine. Simply key in the amount to be charged to your customer, hold out your smartphone, and let them tap their card or their mobile wallet to the device. Tap to Pay payments are processed instantly and securely. Not only does Tap to Pay remove the initial outlay of an EFTPOS machine for many small businesses, but it also provides a much more convenient payment option for mobile businesses.

Benefit of using Tap to Pay: Unlock new ways to get paid

Tap to Pay is not just for retailers. Its versatility makes it a game-changer for a wide range of business models:

Mobile Businesses and Sole Traders: For plumbers, electricians, personal trainers, and market stallholders, Tap to Pay is essential. Invoice and get paid on the spot using the device you already have in your pocket.

Retail and Hospitality: Reduce long lines at the checkout counter by empowering staff to take payments anywhere in-store.[3] Cafes and restaurants can improve table turnover and customer satisfaction by allowing patrons to pay directly at their table.

Pop-Ups and Events: For businesses operating at festivals, trade shows, or seasonal events, Tap to Pay offers a professional and efficient payment solution without the hassle of traditional hardware.

Service-Based Businesses: Consultants, freelancers, and home service providers can secure payment immediately upon completion of a job, improving cash flow and reducing administrative follow-up.

Tap to Pay Technology Built for Both iPhones & Android Devices

For merchants using Tap to Pay on Android, the feature is currently supported on Android 10 phones or later versions with inbuilt NFC technology. Tap to Pay on iPhone is available to all users with an iPhone XS or later, using iOS 16.4 or later. To get started, simply download the Zeller App on your smartphone, and follow the steps to configure your device. Once configured, you can start accepting EFTPOS payments immediately. Tap to Pay with Zeller App incurs one low flat transaction fee of as low as 1.1% for all cards, (including American Express) or you can choose to pass on the fee to your customer through surcharging.

How Secure is Tap to Pay?

Tap to Pay is one of the most secure ways to process a payment.

Your Phone Sees Nothing. When a customer taps their card or phone, the payment info is instantly encrypted and "tokenised." This means the actual card number is replaced with a unique, one-time-use code. Your phone never sees or stores your customer's sensitive card details. It’s like a secret handshake between the bank and the card.

When someone pays with Apple Pay or Google Pay, they have to approve it with their Face ID, fingerprint, or passcode. That's a layer of security you don't even get with a physical card chip.